Also keep in mind, that if your 'governing state' isn't very developed, then you can harvest from unowned land for personal use, to an extent, before you annoy anyone, including the government.
Ie, pilgrim days, a Skyrim setting. Public Lands were called Public Lands for a reason, before there was to many people with not enough information of what they were doing for damage to be done.
These days in most places you need permits for much of anything, but it used to be that as long as it was for private & personal use, you could harvest stone and timber, 'within reason', with personal tools. As long as what you were doing wasn't inconveniencing anyone else, it was pretty much free-game at one point in real life, never mind other game enviroments.
Skyrim, Heartfire DLC - the one where you can build a house, is a pretty much as developed as it gets for building and harvesting in a 'major game'. Timers for plant growth and harvest, day & night times, roaming beasts, timers for actions like
chopping firewood, harvesting stone & clay. Tho there should have been additional items like hand carts and your horse that should have upped your 'carry weight limits' to make it more realistic. That being said, it's the most realistic homesteading thing I've ever seen or heard about. If you've never played, there's an endless number of youtube videos with the playthrus of what you have to do, what does what to give you an idea. And then there's all the mods(for PC) people have come up with to make the world even more realistic. That's not even taking into count what magic in the game could potentially do.
If your going for a high-tech is possible, like, Second Earth, Firefly resettlement thing, well, that's different. A lot different. You have to work out your backstory first. In a world like that, you wouldn't go off with what you had on your back, not realistically. But it would make an easier game to setup for a first edition run thru. Terraformers, water-catchers, food processor units.
In Firefly, there was evidence of a high-tech where you just dumped in raw materials and it ultra processed it into basic proteins, vitamins and enzymes, and then formulated them into what was basically protein bars and boullion blocks.
Like Replicators from Star-Trek, Voyager semi-addressed/implied the issue that the raw-materials for the replicators came from -somewhere- and were stored in tanks on the ship. That would be easily doable with lots of add-ons and unlockables. Low-quality materials that you could either grow or scavenge, equal low-quality food-blocks. Higher quality materials that you would obviously culture and grow, would equal higher quality food-blocks. All of which could be sellable to get cash to get add-ons for your processor units to improve the quality of the end products.
Creating a processor unit that you just shoveled dirt and sand and clay into it that made building materials is even semi-realistic these days, CEB machines, etc. So that's no to far of a fetch.
I should probably stop rambling, I'm a sci-fi and fantasy addict on my worst days and I can go -on- for hours if people let me, especially about 'world building'. I'll try not to keep swamping you.